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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,435 | $75,183-62.2% | $123,894-77.0% | $55,167-48.5% |
| Participation rate | 63.8% | 72.8%-9.0pp | 81.4%-17.6pp | 69.0%-5.2pp |
| Annual return | 10.08% | 19.01%-8.9pp | 47.52%-37.4pp | 169.23%-159.2pp |
| Employer contribution / active EE | $2,107 | $2,823-25.4% | $4,617-54.4% | $1,963+7.3% |
| Participant deferral / active EE | $3,751 | $5,084-26.2% | $5,984-37.3% | $3,054+22.8% |
| Admin fee / account holder | $3,350 | $663+405.6% | $8,357-59.9% | $504+564.8% |